USDC

CryptigoVespucci

lol - or 20% yield Terra staked on Anchor? Great product.... Would say USDC / Tether are a bittt different as you the yield is coming from treasuries, and not Su Tzhu borrowing obscene amounts of money to plow into shitters.

More_Stuff9731

Hi everyone, I’m stuck with some USDC on Polygon and I currently have zero MATIC for gas. Would anyone be kind enough to spare 0.02 MATIC so I can move my funds? I’ll gladly pay it forward once I’m unstuck. Thank you 🙏0xA1760f9099dAC35697E28813Dad63034cC734d54

5alzamt

USDC on Algorand. Lowest fee, 4s to finality, no price risk.

CyberCrud

In the past decade my USD have lost half its buying power.  Converting to USDC coin wouldn't change that.  In that same period, my silver has gone up 500% and my BTC has gone up like 900%.  Paired with USDC, that's still true.  Fiat is already dead.  We just don't know it yet.  They can print infinite amounts.  BTC is finite.  

Hena_Evore

Machines.cash lets you convert BTC or USDT into spendable balance through virtual Visa cards without exchange hopping. You deposit crypto once, create cards with spending limits, and use them anywhere Visa works. Settles in USDC with single-use deposit addresses to reduce wallet linkage.

CryptigoVespucci

Summarizing the main debate here via Claude since a lot of threads are saying the same things: **The debate in a nutshell:** **OP's thesis**: Stablecoins paying 4% are a better product than bank deposits paying 0.1%. The fact that banks are lobbying to ban stablecoin yields proves they're a competitive threat. **Main pushback #1 - "HYSAs exist"**: Multiple commenters pointed out they get 3-4% on FDIC-insured high-yield savings accounts, so stablecoins aren't needed. **OP's counter**: If HYSAs are so great, why do only 1 in 5 Americans use them? And why are banks scared of $6T in deposit flight to stablecoins if superior alternatives already exist? Banks don't fight HYSAs because they issue them - the money stays in the banking system. Stablecoins pull deposits out entirely. **Main pushback #2 - "Crypto is risky"**: Depegs, no FDIC insurance, could cause instability. **OP's counter**: USDC is 1:1 backed by treasuries, not an algo stablecoin like Luna. Different structural risk entirely. And the issuers are getting regulated at the federal level. **The real resolution**: One commenter noted the Fed wouldn't approve a 100% treasury-backed bank because the government prefers fractional reserve banking, where deposits get loaned out and $1 creates more economic activity. **OP's concession**: This is the real argument. Stablecoins at scale would pull deposits out of fractional reserve banking, making it more expensive to borrow, which hurts the economy. The question is whether consumers should subsidize that system by accepting 0.1% when market rates are 4%.

CryptigoVespucci

I use them as a replacement. I'm the minority, but that's not necessarily true. Definitely some risk, but as USDC and Coinbase/Circle get more regulated, the risk is mitigated.

Engineerofdata

USDC has de-pegged before and returned to normal. It’s a very solid stable coin.

CryptigoVespucci

Ok so the main pushback seems to be, 'I'm getting 3% insured by the government, so stablecoins aren't better.' If HYSAs are so great, why are only 1 in 5 Americans using them like you do? And why is the banking lobby claiming stablecoin yields would cause $6T in deposit flight - if obviously superior HYSAs already exist? Why hasn't that deposit flight already happened into HYSAs? Banks don't fight HYSAs because they issue them. The money stays in the banking system. Stablecoins pull deposits out entirely. That's what they're actually fighting. Then people say, 'But it's crypto and it's risky!' - USDC is issued by a public company, reserved 1:1 in cash and treasuries, and in the process of being federally regulated. Not without zero risk, but not Terra Luna either. So my main objection to "HYSAs are better" is that if that were the case, everyone would be in them, and the banks wouldn't be scared of deposit flight.

joshdrumsforfun

But USDC isn’t FDIC protected. Which means it is highly susceptible to the same types of problems that created the Great Depression. Additionally, the United States does not want to insure a crypto currency because there is a high probability it is a fad that will disappear in a few years and until it has some actual uses, it isn’t a safe investment to insure by the United States government.

CryptigoVespucci

"Banks are mainly worried that people will invest trillions into pixie dust and end up being scammed and destabilizing the US economy." This isn't what the lobby is saying though.... I agree, government should protect people from investing their money in pixie dust. But what I'm saying is USDC held on Coinbase is not that. Coinbase is a public company; USDC is backed by short term treasuries - pretty cut and dry. If USDC were pixie dust, banks wouldn't be spending millions lobbying to ban it. They'd let it fail on its own. They're lobbying against it because it's a competitive product - not because it's a scam.

Jabulon

isnt USDC slightly safer than USDT?

CryptigoVespucci

Thanks for the thoughtful comment. Honest question on HYSA: why don't more people do what you're doing? (only 18% in the US use HYSA). My best guess is that there is too much friction, and it takes a level of financial sophistication that most people don't have, but it's been hard to find a clear answer. Whereas, I think everyone getting more or less the risk-free-rate of return by default is an admirable goal, which USDC on Coinbase achieves so why block it? (deposit flight and destabilizing the credit markets seem to be the answer). Point being, regulation shouldn't be used to protect an incumbent's business model. Coinbase et al should be allowed to compete. To the rest of your comment, is blocking the bill on the yield issue worth it? I agree, it would be a massive set-back and put things on ice for years (and I shudder at the thought of what Elizabeth Warren will do if she gets back in power). On the other hand, hampering one of crypto's most effective products just to get a deal done feels like a major L as well. Definitely a tricky one. Fair point that Coinbase has a self-interest here - they keep the yield product if no bill passes. But that doesn't mean they're wrong. The question is whether the yield provision is important enough to hold the line on, and I think it is.

CryptigoVespucci

Sounds like you're French, and after doing some light reading on Livret A, the French regulate deposit yields so everyone can get access to 3%, which is great. Combined with government backing - sure, that's a better savings product then stables. But the US doesn't work the same way, so the majority of people get nothing. So in that sense, the post doesn't apply to you. Fair point on depegs! Putting your funds in an algo stablecoin like Luna certainly wasn't worth the risk, even for 20% yield. Is 4% yield for holding USDC on Coinbase worth the risk? I'd argue that USDC's backers (Circle & Coinbase) are increasingly being regulated like banks, as are the assets that underlie it... so the risk of "cratering in the blink of an eye" simply isn't there. Will submit that that risk is not the easiest for the average person to evaluate (which is what regulating stablecoins would mitigate against). Re: MSCI - sure, but you likely have a level of financial sophistication that the majority don't. The point is that yields should be baked into every deposit by default, with the average person not having to think too much about it (like in France 🇫🇷)

PirateSKB

Hm I got a few thousand in USDC to throw at something today. I should probably find something to buy to sell on a bounce

biba8163

> $TRUMP Coin is going to deliver an education to people who missed out enrolling at Trump University. **(Jan.18, 2025)** https://np.reddit.com/r/CryptoCurrency/comments/1i3uktp/daily_crypto_discussion_january_18_2025_gmt0/m7uhtzf > Reminder: **(Feb, 2025)** > - The Trumps have not put any of their money in crypto. They are collecting money including ETH, USDT, USDC, etc by selling WLFI tokens and also memecoins > - Donald Trump has bankrupted 6 casinos and now has made Ethereum his casino > - $WLFI is run Chase Herro Zachary Folkman who previously ranDough Finance a fork of AAVE that was hacked for $1.8M in July 2024 and went bankrupt. https://np.reddit.com/r/CryptoCurrency/comments/1ikp5qf/trumpbacked_world_liberty_financial_is_loading_up/mbogi7e/ **Education isn't cheap!** > just bought some trump. watched it go from $30 to $40 so fast. then bought some on the way down. https://np.reddit.com/r/CryptoCurrency/comments/1i4l3ol/daily_crypto_discussion_january_19_2025_gmt0/m7xflwn/?context=3 > $TRUMP to $100 https://np.reddit.com/r/CryptoCurrency/comments/1iporry/daily_crypto_discussion_february_15_2025_gmt0/mcv0pfn/ > All aboard the $TRUMP train https://np.reddit.com/r/CryptoCurrency/comments/1iporry/daily_crypto_discussion_february_15_2025_gmt0/mcx4t06/ > It’s good to know this community hates $TRUMP coin. Always inverse this sub is the golden rule. Trump to the moon 🚀🚀🚀 https://np.reddit.com/r/CryptoCurrency/comments/1iporry/daily_crypto_discussion_february_15_2025_gmt0/mcxyl1g > I told my sister I bought some $TRUMP yesterday. she wanted me to buy some for her too. so i just did. https://np.reddit.com/r/CryptoCurrency/comments/1i4l3ol/daily_crypto_discussion_january_19_2025_gmt0/m812na6/ > It’s the perfect currency. $TRUMP could be used for many applications like buying a Tesla if Elon pushes for it. https://np.reddit.com/r/OfficialTrumpCoin/comments/1iait25/since_this_is_a_memecoin/m9aia6n/

randomFrenchDeadbeat

Less fees, immediate transfer, no fraud risk. You cant directly exchange bitcoin with USD. There is no automated, unmanned system for that. But you can with USDC (or any other token basically). Note those transfers happen either on chain, which is a public and unchangeable record, or on centralised exchanges, which act exactly like a stock broker and reports everything to the tax administration. So no possible tax evasion or anything.

Beneficial-Hope68

“Keep in USDC until BTC touches 200W EMA → then go all-in into small top-100 alts (NIGHT, RNDR, LINK). Small capital = high risk. Bigger capital = safer assets.”

BlueChipCryptos

invest them in USDC 😁🚀

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Post is by: MDiffenbakh and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1qhebiv/stablecoin_team_payouts_hitting_eur_rails_volume/ I've been running a small side project lately with contractors across EU who invoice in USDC from client work. Turning those stables into actual EUR for rent and bills has been rough. Regular banks treat crypto transfers like potential money laundering - constant source of funds emails, random holds, or outright blocks. The usual exchange plus bank wire path works once in a while but compliance flags kill repeat monthly flows for a team. Tried Revolut first - crypto on/off ramps exist but every USDC deposit triggers their risk filters, plus conversion spreads eat margins when doing team-sized volumes. Wise is great for clean EUR transfers but won't touch crypto inflows directly, so you're stuck bridging exchange withdrawals through regular banks anyway. Tested a few different fintech apps that handle crypto deposits straight to named IBAN accounts after that. Most had issues: swap spreads killing margins, EUR settlement taking 2-3 days despite instant SEPA promises, or endless re-verification loops per payout.​ Keytom's one I've been using lately - USDC goes direct, converts at a posted rate, EUR lands in your personal named IBAN same day. SEPA out works free and actually instant to any EU account. Not saying it's perfect or the only option, just finally found something that handles team crypto payroll without turning into a compliance nightmare. Still watching for long-term stability but beats juggling multiple services.​ How do you handle stablecoin client payments turning into usable EUR at volume? *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Separate-Spot-8910

All I have right now is USDC earning almost 4% and my stress levels have gone down dramatically.

ADHD-Developer

I would keep it in USDC until btc touches the 200 W EMA then ill dump it all on a small top 100 trusted project/projects like NIGHT , Render, link .. capital is small so my appetite for risk is high at this situation, if it was 30 k then i would tell you ETH, SOL, XRP.. if it was 100k then it would be BTC.. the higher the capital the less risk i expose

PirateSKB

Tbf I sold ~$2300 worth of crypto to USDC to trade with. I'm just trying to find something fun to throw it at with a good risk : reward

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Post is by: Haunting-Promise-287 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1qge47k/stuck_with_10k_in_usd_on_exchange_should_i_wait/ Hi everyone, I currently have **$10,000 USD** sitting on a crypto exchange. My original plan was to exit the crypto market entirely and move this capital into the traditional stock market (ETFs/Blue chips), as I believe I can achieve more consistent returns there right now. However, I’m facing a major dilemma: **The USD is currently very weak compared to my local currency.** If I withdraw and convert it now, I feel like I'm losing a significant chunk of my purchasing power just on the exchange rate. I’m considering three main paths: 1. **Stake Stablecoins:** Keep the $10k in USDT/USDC and stake it for 5–10% APY while waiting for the USD to strengthen. 2. **Buy the Dip (Crypto):** Put the money into BTC or ETH "on the way out," hoping a price increase offsets the poor exchange rate (though this adds a lot of risk). 3. **The "Bite the Bullet" approach:** Just withdraw it now, accept the bad exchange rate, and start compounding in the stock market immediately to avoid opportunity cost. What would you do in this situation? Is it worth "parking" the money in stables for a few months, or is trying to time the currency market a losing game? Would love to hear your thoughts. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Grunblau

You buy $10 of USDC. Circle (stablecoin issuer) buys $10 of US Treasuries and issues you a digital representation of $10. Those treasuries produce interest. If Circle is legally barred from passing on the interest, they keep it. Buy yachts, issue bonuses to themselves, etc… If they are “allowed” to pass on interest, then it becomes a market where people decide where to put their money based on who offers the best yield. Banks are the new brick and mortar with unsustainable overhead in this scenario.

Ok_Lake3894

They should make if you don’t own at least 1000$ in crypto you cannot receive USDC rewards

Ornery-Letterhead-26

Then start mining it back through the Lumerin Hashpower Marketplace. Convert underperforming assets into USDC, then use that capital to purchase hashpower directly on-chain. You can then mine BTC to a completely unrelated anonymous wallet—trustless, non-custodial, no KYC, and fully on-chain. Great if you want to reset your privacy. On top of that, Lumerin has launched a first-of-its-kind hashpower futures marketplace, allowing you to lock in or trade hashpower as derivatives—something that’s never been done before in this space.

SaylorOfEntropy

Call it whatever you want. ETH transfers, USDT, USDC, bots, exchanges, users. The label does not matter. The rest of the point stands. If activity is at an all time high and fees are at one cent, then block space is not scarce in an economic sense. That is the only claim that matters. In any physical system, demand expresses itself as pressure. On Ethereum, pressure is the fee market. If pressure is low, capacity exceeds demand, regardless of how many messages pass through the system. You can have a highway full of scooters and still have no congestion. Counting vehicles does not measure scarcity.

MinimalGravitas

> That is batching, rollups, spam, and protocol housekeeping. No, it isn't... 'rollups' use blobs, not gas; 'protocol housekeeping' isn't counted in transaction numbers; and as for 'batching' and 'spam'... I have no idea what you are referring to. Back in reality the top 3 transaction types on L1 are: 1) Sending ETH, 2) Sending USDT, 3) Sending USDC. Do you care if what you write is true? If so then why not check before you make yourself look stupid with these bullshit claims?

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Post is by: Financial_Jelly_8304 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/Memecoinhub/comments/1qfqnoo/kindsoul_kns_is_going_to_100_mil_mc_let_me/ **This isn't a shitcoin, it's an early gem sitting at 1.5 mil market cap, so give this post a quick read and you will understand why.** No one has ever become poor by giving. Across cultures and generations, helping those in need has been seen not as a loss, but as a blessing; returning as good karma, abundance, and a richer life. KindSoul ($KNS) operates with a clear mission to help millions of people and has already begun delivering tangible, real-world impact. KindSoul is the first charity token of it's kind to develop what it is promising. **What KindSoul is promising:** * DEX aggregator called KindSwap where 50% of DEX fees will be donated (Releasing Q2 of 2026) * NGO status in India and Australia (applications in other countries in the future) (already in progress) * Perpetuals market to trade longs or shorts on all stablecoins (Q1 of 2027) * Predictions market like Polymarket and Kalshi (Q1 of 2027) * AI-tracking of where fees from your transactions from the DEX will go (Q2 of 2026) * The ability to control which sectors charitable causes your fees from utilizing their DEX goes (Ex. Education, Healthcare, Homeless shelters, etc.) (Q4 of 2026) * **Staking of $KNS tokens with 30% of protocol fees** returning SOL/USDC after staking period is completed (Q4 of 2026) * Live tracking of how many souls have been helped (Active) * 90% of creator fees being donated actively * 10% of creator fees used for buy backs and burns **Why these promises are confirmed to become reality:** * Doxxed developer team actively updating community * Developer team has 10+ years in financial markets experience and 5+ of Web3 development experience * Developer team has engineering background * Developer team has massive connections * Active DLMM Meteora liquidity pool to protect chart from big sells * UI/UX of KindSwap already released * Website for KindSoul and KindSwap already up * NGO status in progress with live updates * Token released for 30+ days already with no issues on chart * Strong active community actively supporting KindSoul I highly suggest not fading this early gem, this will for sure be a 100 mil+ token. **Relevant information:** CA: CVfniqNEj2f4Yd8Z4TEtaTU49gWNTwUyCiDDUbsZpump KindSoul website: [https://kindsoul.world/](https://kindsoul.world/) KindSwap website: [https://kindswap.world/](https://kindswap.world/) X: [https://x.com/kindsoulworld](https://x.com/kindsoulworld)  *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

MinimalGravitas

There doesn't appear to be one particular thing, just lot's of pretty normal stuff. The top 3 uses this week have been the same as they usually are: 1) Sending ETH 2) Sending USDT 3) Sending USDC https://ultrasound.money/?timeFrame=d7#burn

ADHD-Developer

USDC and wait for the dip, the political situation is high tension atm.. tarrifs, greenland.. etc

Udd1n

#NETX - next gen blockchain (4-layer architecture) serving japan's payment infrastructure. Recently it went live at Japans haneda airport (80-90million passengers a year) Integrated with USDC. Partnered with WEA and Netstars, which is japan's largest QR payment aggregator. Low market cap £11m, still early but massive potential. Max supply 20m tokens. Not mintable. Circulating supply 19.53M. New CEX listings coming up.

ResponsibleFloor5430

MY ADVICE I FORGOT TO TAKE INTO ACCOUNT! I started new in May 2025. I was moving and swapping different crypto back and forth to wallets, Exchange apps, etc. Running stupidly blind. I have no issues, that I know of, with the IRS. My yearly filing used to be W2 from work and Savings interest. Easy peasy. NOW, I’m a mess. A schedule D form with 68 form 8949 using Koinly tax app. I had NO idea every little transaction, sale, move to USDC, etc I made was going to have to be entered on IRS form 8949. The final numbers on Schedule D was more than I make. BUT, it showed a final loss which is correct. I had to look through all 1000+ lines to look for any duplicates. Frankly it stressed me out! WHY? Because this year I get two 1099-DAs added to my wallets. My advice, keep a running total using proper format for reporting. I know this is long BUT NOW I’m waiting until February for my 1099-DAs and hope they match. Basically, my advice is don’t go crazy moving stuff around between exchanges and wallets Willy nillly. But if you can handle the math stress, do what you want. This year, 2026, I’m watching what I’m doing and not stupidly trading using emotions. Just buy and hold. Sorry for so long. Keep it within a few networks and tokens. And do not expect life changing events, just profits when you can.

respectandmanners

I think that the point is that, regardless of short term volatility, BTC can buy a lot more goods over time and USD, and associated USDT, USDD, and USDC, keeps buying less and less

Ru9on

Where do you hold the USDC and on which chain?

Numerous_Wonders81

"Bitcoin clone". Unlike Bitcoin forks (LTC, BCH, BSV), which share the same slow, energy-intensive architecture. Bitcoin rarely moves because transaction fees and 10-minute block times make it impractical for daily use. Bitcoin’s script is intentionally limited. It can't natively handle complex "If/Then" logic (smart contracts) without clunky, centralized Layer 2s. It’s a "dumb" vault of gold. While Bitcoin is stuck with a 15-year-old legacy script, Algorand lets developers build complex apps in Python and TypeScript. This is why it’s the go-to for Real World Assets (RWA). ​Like Bitcoin, Algorand has a fixed supply of 10 billion tokens. There will never be a 10,000,000,001 ALGO. To even start mining Bitcoin effectively in 2026, you need professional ASIC hardware that costs between $2,000 and $20,000. You also need industrial-grade cooling and dirt-cheap electricity. On Algorand, you can secure the network with a Raspberry Pi or an old laptop. Algorand can bundle multiple transactions—like swapping a house deed for USDC—and ensure they either all happen or none happen. This is native, "Layer 1" programmability that Bitcoin clones can't dream of. Algorand was built from scratch with a completely different foundation. 'network effect' doesn't save outdated tech once the world needs high-speed, scalable infrastructure. ​I can use my 'scarce asset' to power smart contracts, settle global payments in 3.5 seconds, and secure a network with a Nakamoto Coefficient 6x higher than Bitcoin’s. ​While Bitcoin users are paying $10 in fees to wait an hour for a 'maybe' confirmation, Algorand is settling 10,000+ transactions per second for $0.0002 with 100% finality. Bitcoin is a digital vault where you pay high fees to let your 'gold' sit. Algorand is a programmable engine that settles 1 million+ real-world tickets (TravelX) for $0.0002.

Shichroron

Saving account interest is a joke. You probably want to benchmark against money market funds (3.5-3.8% if i am not mistaken) You can get USDC and lend it on AAVE. That will give about the same level with the lowest on chain risk.

phallicpunch

I have a separate wallet that I connect to Bitrefill & pay with USDC; usually from Base. You can send from other chains as well; including paying with BTC. If I’m moving from Stellar I’ll use Allbridge & send to the other wallet. I “assume” if you have the Bitrefill Visa card the process is similar. I believe there is a top up limit per 7 days so you should read their TOS. I personally don’t typically get Visa gift cards because some places don’t accept them or they just don’t work everywhere. It is good for a quick gift to someone tho.

MinimalGravitas

Your 'gotcha' is from Aug 19, 2021, 4 and a half years ago... Since then they implemented the toggles that I referred to above, which just eliminate entire sections of the TVL, as described in the note you have linked to... > Other TVL aggregators attempt to remove this double counting by just removing the TVL of some protocols from total TVL, but this approach leads to incorrect data. One of the most basic protocols, aave, has deposits in a lot of basic assets such as ETH and USDC, but it also has DAI and uniswap LP tokens, so if you include it into the TVL sum you will introduce some double counting, yet if you exclude it you will be excluding a lot of TVL that should be counted. Anything you do will lead to incorrect data. That means that the $74B is almost certainly an undercounting of the 'true' value. But nice try I guess...?

Numerous_Wonders81

I’m reading you loud and clear; you’re just describing a different kind of loop. Even after you strip out staking, your '$74B DeFi TVL' is still a hall of mirrors. ​The Rehypothecation Trap: Ethereum DeFi isn't growing through new capital; it's growing through leverage. Users deposit ETH into Aave, borrow USDC, and use that USDC to buy/deposit more ETH. You’re counting the same 'organic' dollar multiple times across lending protocols. ​Whale Concentration: That '$3.5B weekly growth' you're flexing? It’s not new users. It’s a tiny group of whales and curators intermediating the vast majority of that value to hedge leveraged crypto risk, not to build real-world utility. ​The Utility Gap: While you’re shuffling $3.5B in leveraged loans, Algorand is actually moving Real Economic Value (REV). We’re settling 1 million+ airline tickets and **$1B in national utility bills**. One chain is a circular economy of debt; the other is a global payment rail. ​The Nakamoto Reality: No matter how many billions of debt you stack, your network's security is still bottlenecked by a Nakamoto Coefficient of 2. Algorand is 6x more decentralized and inclusive because we don't have a $105,000 gatekeeper fee to participate. ​Ethereum is a playground for money legos. Algorand is the engineering standard for the real world. Stop worshipping the debt loops and look at the utility.

moon_over_my_1221

Hold in USDC for reentry.

the_ocs

Tether is a case of it's own, an argument for why centralized stablecoins need regulation. Looking at USDC, they hold dollars or equivalent (like treasuries), so there's no leverage there on their part. Like you say, the banks they are forced to used to hold these dollars pose a risk, but that's a commercial bank problem, not a stablecoin problem.

acaiblueberry

I put USDC on Coinbase and got like 3.5% with Coinbase One, and USDG on Kraken and got 4.0% with Kraken+ for a while and decided they were too risky and moved all to wealthfront. Those two were just rewards from the platforms and not from on-chain lending which is riskier, and I don’t think USDC to collapse anytime soon, but there is a risk that platforms freeze my account, which is happening to my another account at Coinbase. At any rate, they were not worth the risk compared to regular HYSA.

Apart-Apple-Red

Coinex is giving me above 5% Apr on USDT and USDC. No kyc, no nothing. Good stuff for years.

Pristine-Sherbert-66

Time to say goodbye my USDC rewards 😩

GreenStretch

There isn't. USDC on Coinbase is probably closest.

hindermore

You can get similar or slightly better yields by supplying your USDC to liquidity pools on DEXs like Aave. Basically, you are lending it out to borrowers who collateralize their loan with other crypto assets. Smart contracts control the liquidation thresholds so if their collateralized assets tank in value, they are sold automatically to repay the loan. There is always some kind of risk, but pretty minimal. I have never heard of any cases where a lender did not get their supplied liquidity back.

aeronauticalingrid

MEXC for 15% USDT / USDC Binance for 20% USD1

RemarkableSalt6393

I wouldn't count on stablecoins not being leveraged, what's stops tether from just printing them, they haven't had a reliable audit as of yet.  Even if they are backed 1 on 1, but the reserves backing them are held by banks they are essentially still highly leveraged. Something which we saw with the Silicon valley bank and USDC depeg. 

arun_singh18

Hey, 27% stables at 7%—smart cushion for dips, but yeah, market heat tempts deploying more. - Scale to 15-20% in bulls for alt upside; keep diversified sources. - Reassess quarterly based on vol/rates. - Trade-off: Steady yields vs. missing pumps. Yieldseeker on Base auto-manages USDC as one passive option. Bull vibes now?

According-Virus8004

Buy stablecoins (USDT or USDC) via whatever way you prefer. Transfer to your own wallet, then use [wagyu.xyz](http://wagyu.xyz) to swap to Monero.

SatoshiReport

Banks have balance sheet requirements and can offer yields. Stable coins are trying to provide yields with no balance sheet requirements. Either stable coins are going to be regulated like a bank or they won't offer yield. I don't see the entire US banking system going under so USDC can offer yield.

Udd1n

Check out #NetX, low market cap £10m, max supply 20millon. Their tech just went live at Japans Haneda airport (80-90million passengers a year). NetX is the base settlement layer for USDC payments. They call it the next gen blockchain because of the 4-layer network. [https://www.netx.world/](https://www.netx.world/)

Udd1n

Check out #NetX, low market cap £10m, max supply 20millon. Their tech just went live at Japans Haneda airport (80-90million passengers a year). NetX is the base settlement layer for USDC payments. They call it the next gen blockchain because of the 4-layer network. [https://www.netx.world/](https://www.netx.world/) [**https://www.netx.world/https://www.netx.world/**](https://www.netx.world/https://www.netx.world/) [https://www.netx.world/](https://www.netx.world/)

outoftownMD

I was drilling into a wall in 2018 in my house. My stud finder said I was in wood, but it went through to easily. I pushed further and hit the hot water pipe. It shot a 30 ft maximum water temp through the wall to the other side of my place. I addressed the water frantically. Months later, I was looking for my codes because I'd bought a new trezor. I couldn't find them and couldn't remember the code to get into the trezor I had. I looked everywhere. I eventually found them in my bookshelf that had been hit 30ft across by the water. Water damaged, faded away. all BTC and ETH purchased from 2016-2017, gone. (11btc+, and 80eth+). I was spooked from it all and didnt want to ever touch it again. In 2020, I slowly starting buying again. In 2021, had reaccumulated 1.6 btc from slow purchases. put all of it into SPELL. it ran up to 8BTC + worth. Then it came out that the treasury for SPELL was connected to QUADRIGACX collapse and potential founder death. It fucking cratered before I was even aware since I wasn't frequently checking. It fell all the way back to pretty much my initial, AND I HELD. SUNK COST FALLACY hit hard with LOSS AVERSION. (understand these). I took the 'last' BTC I had and wanted to put it somewhere 'secure'. I SHOULD have put it into USDC or USDT if I had the knowledge I have now. My cousins who had been in before me, and with the feeling of SCF and LA alive in me, had me highly suggestible to any insights or recommendations. They recommended I put I put it into a 'blue chip NFT'. so I bought a high rarity Doodle. :(. A few months later, Doodle pumped and I didn't sell. A few months after that, the Doodle founder came out saying 'Doodle was never meant to be an investment vehicle', CRATERED 80-90%. so from 1.64 reaccumulated BTC (+ 20 ETH that I had on the side making some trades), I went up to 8BTC, greed held, cratered to 0.4 BTC. ETH from 20> 46>4>2). So, journey indeed.

Chicken_Bacon

Say you have 1000$ USDC, to get the best rate you also need (100$) worth of Nexo coins. Nexo coins don't need to be locked up, but smart to do it.

Zettabite

Which part? They buy treasuries and get 3.5% ish, and give whomever buys the USDT/USDC/whatever 1.5% and reap 2% yeild while beating standard savings accounts.

sogdianus

take your pick https://app.vaults.fyi/?selectedTokens=USDC&selectedTokens=USDS&sortBy=apy&asc=false

Chicken_Bacon

I use Nexo, i get 13% APR on USDC, lock it up for 3 months at a time. Do mind that you need to invest 10% of your holdings into Nexo coin, but you can lock that up for 9% interest.

FastVideo9700

Do you think I should just take the money and go into USDC & wait to invest in BTC since we may or may not be in a bear market and may plummet ?

PsychologicalBit803

I buy USDC automatically each day so I keep the DCA discipline but buy through out the year when I want to. Did $30 a day last year and bumped up to $50 a day Jan 1.

mrjune2040

I generally use Yearn vaults—USDC and USDS are both around 4% or higher. USDS has a slightly better rate. Yearn is decentralised so the risk factor is in the code but it's one of the least risky in terms of the actual vault earning (if you want to go more aggressive you could use the likes of Pendle/Beefy, and/or farm points liquidity on one of the MANY new stables. ie Cap). Either way, no way I keep any serious money on CEX's.

AutoModerator

Post is by: juanly_xx and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1qd02ls/where_do_you_have_your_usdc_for_a_reasonable/ Right now I have my USDC (Europe btw, so can't use USDT), on Binance earn, which gives me a ~1.67% APR on anything over $500. 5% extra APR under $500 so they can say "wow, amazing 6.67%", but yeah. I find that 1.67% extremely low, considering for normal USD the government gives something like 3.5% or 4%. So I want to learn about any platform, defi or not, that gives a little more interest than Binance earn, but it has to be big enough and old enough to be trustworthy. I lost a lot of money on Celsius back in 2022, so yeah, I want something good enough. Anything on your mind? What do you currently do with your syablecoins? *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Sudden_Buyer3852

So I had 50% BTC and 50% alts in the bull run. I sold most of my alts on top, so I could then buy more BTC in the bottom. So I have some capital in USDC waiting for BTC lows. But with all this instability with the orange blob in America wanting to take Greenland, there’s a big risk of dollar plummeting when Europe strikes back. So it’s a safe bet my USDC will loose a lot of its value… what would people do asset wise in my situation?

Sudden_Buyer3852

So I had 50% BTC and 50% alts in the bull run. I sold most of my alts on top, so I could then buy more BTC in the bottom. So I have some capital in USDC waiting for BTC lows. But with all this instability with the orange blob in America wanting to take Greenland, there’s a big risk of dollar plummeting when Europe strikes back. So it’s a safe bet my USDC will loose a lot of its value… what would people do asset wise in my situation?

jwinterm

Right now it seems like USDT and USDC are big parts of the payment infrastructure and liquidity in cryptocurrency as well - how do you see privacy for consumers and businesses evolving around stablecoins and are you guys working on anything related there?

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0xpolygonlabs

Thanks for the shoutout, we really appreciate it. We’ve always believed in the power of grassroots crypto communities like this one. Places like Reddit, TG, discord, etc have been where real users discover, test, and spread adoption early on. Your feedback, your memes, your questions have shaped a lot of what we build, and we’re grateful for that. For a retail user, Polygon’s Open Money Stack brings a couple of practical, everyday improvements that feel meaningful without needing to be a power user. 1. Your money starts earning for you automatically, instead of sitting dead. OMS is built around the idea that idle funds should generate yield by default. It’s like upgrading from a zero-interest checking account to one that pays you passively, 24/7, globally, and onchain. Over months or years, that adds up in a way traditional finance rarely does for regular folks. 2. Moving assets between chains becomes actually easy. With OMS + Sequence wallets + Trails orchestration, you can send stablecoins (or have them arrive) almost instantly, across chains you don’t even notice, with very low costs. Add in Coinme’s regulated ramps, and you can cash out to your bank or even withdraw physical cash at supported ATMs if needed. One of the biggest underrated wins here is how much easier it makes moving assets between chains. 3. Smart wallets improve the user experience for most of retail. You can sign in with your email, Google, Apple, or social account instead of memorizing and risking a 12/24-word seed phrase. If you lose your phone or mess up access, social recovery lets trusted friends or family help get you back in so no more permanent lockouts from a single mistake. Gas fees become invisible. You can do multiple actions in a single click (approve a token, swap it, bridge it, and send it all at once) instead of five separate approvals. There are also built-in safety nets like spending limits, temporary session keys, and transaction previews so you don’t accidentally sign something sketchy. For non-technical users who just want to hold USDC, send a bit to a friend, move some assets to another chain for better yield, or pay a merchant, this means the whole experience stops feeling like rocket science and starts feeling like using a normal banking or payment app. 

0xpolygonlabs

Absolutely! Onchain earning is a core pillar of the Open Money Stack, ensuring idle funds generate yield automatically via DeFi primitives. Katana can certainly be a part of this by connecting assets via Agglayer for seamless interoperability. For a merchant receiving USDC on Polygon: Agglayer enables instant, low-cost transfer to Katana without friction. Once there, deploy into curated protocols (e.g., Morpho lending, Sushi trading) for boosted yields from real sources like offchain strategies or sequencer fees with no off-ramping needed. The journey is designed to be invisible: wallets/orchestration handle routing, keeping money productive. While full merchant-specific flows are rolling out in phases, this aligns with our vision of money always working, and Katana plays a key role in delivering higher, sustainable yields.

0xpolygonlabs

A typical person in the US could start by using Coinme's extensive network, including its APIs and SDK to convert fiat into stablecoins or to convert cash into stablecoins at one of 50,000+ locations in the US. These stablecoins can include USDC on Polygon. From there, the Coinme wallet or any other wallet, such as Sequence-powered wallets, make sending or receiving payments seamless: pay a friend internationally, shop with merchants accepting stablecoins, or move funds cross-chain without noticing bridges/swaps/gas hassles thanks to Trails' intent-based orchestration.  The core problem we’re solving is the friction, delays, and high costs of traditional transfers (e.g., wires taking days with fees, or remittance services with FX spreads and intermediaries, higher processing fees, etc). Benefits include instant, 24/7 global movement at low cost, programmable features (Sequence / Trails smart wallets), and idle funds earning yield onchain instead of sitting dormant. Ultimately, money becomes as easy to move as information, reliable, borderless, and always working for you

aman_chamb

Hey, TVL surge post-Fed cut is wild—Ethereum's booming but gas pains hit hard. - Batch transactions or use L2s like BASE for sub-cent fees. - Automate with vaults to cut manual harvests. - Hedge IL with stable pairs over volatile ones. Yieldseeker on BASE handles USDC passively as one low-gas option. Your top tactic?

isaacvictory

20%+ DeFi APY looks great, but it’s rarely stable at scale. ETH/USDC LPs and auto-range vaults can work, but returns depend heavily on volatility and you still take impermanent loss + smart-contract risk. They’re more automated strategies than true hedge funds. If I were managing $1.5–2M, I’d split it. Smaller portion in LP/vault strategies for upside, larger portion in boring, predictable yield. That’s why I like CoinDepo for the conservative side simple lending, no DeFi contracts, Fireblocks custody, withdraw anytime. Yields aren’t flashy, but they’re consistent and scalable.

Advanced-Summer1572

Then Visa and its CIRCLE pilot program is given by them real headaches: "Visa's stablecoin pilots with Circle are progressing well, enabling faster, near-instant payments for creators, freelancers, and businesses by allowing them to settle Visa obligations and receive payouts in USDC, reducing traditional delays and improving liquidity, with key US bank partners like Cross River Bank and Lead Bank already participating, and broader expansion planned for 2026. Key Progress Points: Stablecoin Payouts: Businesses using Visa Direct in the U.S. can now send payouts directly to recipients' stablecoin wallets (like USDC), offering instant cross-border access to earnings for creators and gig workers. Settlement in USDC: U.S. banks and fintechs can settle their VisaNet obligations using Circle's USDC, bypassing traditional fiat processes for faster, 24/7 settlement on blockchains like Solana. Early Adopters: Major banks, including Cross River Bank and Lead Bank, are actively participating in the U.S. settlement pilot. Benefits Realized: The program offers near-instant money movement, unlocks capital by reducing large cash holdings, and provides greater liquidity and predictability for financial institutions. Expansion Plans: Visa plans a broader rollout of these stablecoin capabilities in the U.S. and globally throughout 2026, as demand grows and regulatory clarity improves. Overall: The pilots are proving successful, moving stablecoins from a niche concept to a core part of Visa's payment infrastructure for improved speed, flexibility, and efficiency in global money movement, notes The Block, Barron's, and CoinDesk. " (End quote...) Must be some sleepless nights in traditional banking these days. Pretty cool but Cryptocurrency adoption.

Nisyth_

Thanks, really instructive explanations. I did track the address and the funds out of curiosity, and they bounced to another address that sent the funds to a Binance Hot wallet. So my guess is that they cashed out the USDC borrowed, in part of a laundering operation. But that's just guessing, no way to be sure. So, the first lending vault (MEV Frontier) ends up relatively safe, given that out of the 650k $ deposits, only 31k are exposed to the satUSD market. So it ends up with a little pumpin' apy. Wouldn't put all of my bags into it though, still risky. Your analysis made it quite clearer, thanks pal

002_timmy

Look into stablecoins like USDC using Polygon. Polygon is the leading blockchain for payments right now with huge adoption, from micro transactions and retail to the largest institutions like Stripe, Revolut, and Mastercard.

BigDreamsSmallWall3t

Love the idea of keeping money onchain and never off ramping and always earning yield through this. I know Polygon incubated Katana as a defi chain and Katana’s done AMAs here before where the focus is earning higher yields than users can get elsewhere. So if I’m a merchant and receive a USDC payment on Polygon, is there a user journey to getting that higher yield on Katana (assuming Katana is part of the open money stack)?

epic_trader

More specifically what do you need exactly? There are stablecoins like USDC that carry minimal risk and can be sent for less than $0.01 on Ethereum L1, that's about as safe as you're going to get.

OpenRole

It literally would of. This is a known weakness of USDT as it complies with US regulations. Even USDC would have been a smarter pick than tether since they aren't based in the US

TRR462

So, the former Mayor of New York, Eric Adams who was previously Indicted (September 2024) for Bribery & Conspiracy: Accused of accepting gifts (over $100,000 in travel, hotels) from Turkish officials in exchange for helping them. Campaign Finance Violations: Allegedly used "straw donors" to funnel illegal contributions to his campaign to get more public matching funds. Specific Allegations: Pushing the FDNY to overlook fire safety issues for a Turkish consulate building for a presidential visit. And then those Charges were Dismissed (April 2025) by Order of the DOJ: The Justice Department directed federal prosecutors to drop the case, citing the mayor's cooperation on immigration as a reason, a decision Adams celebrated as vindication. Legal Outcome: The charges were dismissed "with prejudice," meaning they couldn't be refiled. Controversy: The dismissal was seen by many as politically motivated, with critics suggesting a deal for immigration concessions, though Adams denied wrongdoing and called the case politically motivated. That Eric Adams has now shilled a meme-coin and almost immediately “rugged” it for nearly $3.5 Million USDC?! I’m not surprised one bit…

KindAstronomer69

You don't have to have money in a bank to acquire USDC, and good luck tracing it across multiple foreign exchanges and cryptocurrencies before it wound up as the USDC in the wallet that was used to pay off Adams Russia has been crypto to pay bribes and move funds undetected for damn near a decade now

002_timmy

Update: Eric Adams has just removed the whole liquidity pool of his new memecoin: a total of $3,430,000 USDC pulled out.

LargeSnorlax

Litecoin is part of Coinbase pay, which is BTC, ETH, USDC, DOGE, LTC and SHIB (for some reason) so it'll be most traded by default. When people use payments, they'll use one of those. LTC tends to have the lowest fees so by default it'll be used.

Aerocryptic

Just swapped 60% of my USDC for mostly EURC and a bit of PAXG. I'll reassess what to do with the rest in a couple of weeks

Aerocryptic

With this FED’s turmoil I should probably swap my USDC for something else. EURC? PAXG? BTC? That’s a significant attack on the USD. All markets will be shaken up in the coming weeks

Born_Anywhere8942

lol i feel this. dry powder is boring until it’s suddenly not. i park USDC in Best Wallet so at least it’s ready when opportunity pops up instead of chasing transfers during pumps

DZ-Titan

I can pay with my Coinbase Amex card and pay the bill with USDC or by selling crypto into USDC. No special intermediate steps.

rajput_forever

Hey, ditching wallet/bridge hassles for 8-10% USDC APY—smart, onchain friction kills the vibe. - Nook Savings bundles it nicely with email login and auto-deposits to Aave/Moonwell. - Zerion app simplifies bridging/deposits in one flow. - Trade-off: Ease vs. minor abstraction fees eating yields. Yieldseeker on Base auto-manages passively as an option. Starting amount?

goldcakes

I believe the US government holds some USDC in aave actually; they out there yield farming.

prototype_xero

I’m only getting around 3 on USDT and USDC, currently. It seems pretty comparable to banks outside of a bull market.

ivan971

He is saying you deposit your USDC on aave and earn 2.5-5% for supplying USDC for the protocol to lend out to others.

James-the-Bond-one

Coinbase was paying me close to 5% last year on my USDC holdings.

RastaBooties

It was more fun watching USDC chart.

ButtBooties

Why not look for someone, friends, family or whatever and sell them the USDC for cash? Transfer it to their wallet?

N3RO-

Wow, is that correct? https://www.kucoin.com/express?base=USD&target=USDC 100 USDC only gives me 80 USD on KuCoin. That's way worse.

CranberryFun3740

stablecoins are basically digital dollars that live on blockchains. super useful for moving money fast without volatility. I keep some USDC in Best Wallet for exactly that

rajput_forever

Hey, 27% stables earning 7% is a smart cushion—gives you ammo for dips without FOMO stress. - Common range: 20-30% for dry powder, adjust up in volatility. - Trade-off: More stables = safety, but opportunity cost if alts pump. - Diversify yields across Aave/Morpho; Yieldseeker on Base autos for passive USDC. Market-dependent for you?

Emigro

Emigro dot co, the neobank for nomads, is proud to offer USDC on Polygon for local instant fiat payments. Travel to Brazil and get access to Pix, paying any consumer or business for your travel expenses without requiring currency exchange. Colombia and Argentina are next! 

PirateSKB

USDC to the moon

coinfeeds-bot

tldr; Polymarket and Delphi Digital have partnered to create tradable markets based on Delphi's 2026 predictions, marking a significant shift in research accountability. Polymarket, a decentralized prediction market, allows users to trade on real-world events using USDC. This collaboration integrates Delphi's insights into live markets, enabling financial rewards for accurate predictions. The move highlights the growing importance of prediction markets in finance and research, with implications for enterprise adoption and the evolution of research credibility. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.